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Navigating the Insurance Claim Process

If you need to file an insurance claim for damage to your property due to an unfortunate event, we can help guide you through the process.

Here's what you'll need to do:

  1. Step 1

    Contact your insurance company and file a claim

    Your insurance company will assign an adjuster to assess the damage to your property and provide you with an Insurance Adjuster’s Report. Later, you’ll receive a claim check to cover the damages. As your lender, Navy Federal will be listed on the check along with you because of our financial interest in the mortgaged property.

  2. Step 2

    Contact Navy Federal

    Once you have your insurance claim check and Adjuster’s Report from your insurance company, give us a call at 1-800-298-4540. We’ll walk you through the process and advise you how the funds will be handled. Depending on the amount of damage to your home, funds could be released to you directly, or we may hold the funds and release them as repairs occur.

  3. Step 3

    Submit required documents

    You’ll need to submit the following documents in order for us to release claim proceeds:

    • Insurance Adjuster's Report
    • Member Declaration

    Documents may be submitted via:

    • Mail—Navy Federal Credit Union, Attn: Insurance Claims, PO Box 100593, Florence, SC 29502
    • Overnight Mail—Navy Federal Credit Union, Attn: Insurance Claims, 1323 Celebration Boulevard, Florence, SC 29501
    • Fax—Attn: Navy Federal Credit Union, 1-888-763-9283
    • Online—       

    Our designated Insurance Claims website contains more information, with answers to frequently asked questions.

  4. Step 4

    Complete repairs

    Be sure to keep track of expenses and save your receipts to submit for review. We’ll check in with you periodically on the status of repairs and may schedule a mid-point inspection. Please contact us when everything is finished. If a final inspection is required, we’ll provide you with scheduling information. Once we’ve confirmed your repairs are complete and have received all required documentation, we’ll release any remaining funds to you.

Helpful Resources

Federal Disaster Assistance

In addition to your insurance claim check, you may qualify for federal aid if you live in a FEMA-declared disaster area.

Learn moreabout Federal Disaster Assistance

Disaster Recovery: A Resource for Homeowners

Ensure you're prepared for a disaster and find out what to do if one strikes.

Learn moreabout Disaster Recovery: A Resource for Homeowners